Explore what it means to buy back pension service and why timing matters. Buying back service can increase the value of your pension and may help you qualify for an unreduced pension sooner.
An overview of buybacks
New to OPTrust or returning from an unpaid leave? Learn how buybacks work, whether you’re eligible and the benefits of buying back pension service.
Buyback process
If you took an unpaid leave of absence and didn’t make pension contributions while you were away from work, see if and how you can buy back service.
Open option buyback
Explore the option to buy back past pension service outside the Plan’s normal 24‑month application window. Completing a buyback can increase your future pension.